Dewitt Bank & Trust Co.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Total equity capital rose 4.2% in Q2 2026 to $23.2M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.40% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $25.8M |
| Tier 1 capital | $25.8M |
| Total risk-based capital | — |
| Total equity capital | $23.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.38% |
| Tangible equity to tangible assets | 8.31% |
| Equity capital to average assets | 8.46% |
| Internal capital growth rate | 9.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $1.9M |
| Retained earnings | $23.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.46% | 10.46% | 11.51% | 9.22% | $210.9M |
| Q4 2023 | 10.32% | 10.32% | 11.32% | 8.95% | $210.8M |
| Q1 2024 | 10.43% | 10.43% | 11.43% | 9.22% | $210.6M |
| Q2 2024 | 10.44% | 10.44% | 11.38% | 9.31% | $212.7M |
| Q3 2024 | 10.50% | 10.50% | 11.43% | 9.51% | $212.6M |
| Q4 2024 | 10.27% | 10.27% | 11.23% | 9.11% | $218.2M |
| Q1 2025 | 10.34% | 10.34% | 11.32% | 9.09% | $221.3M |
| Q2 2025 | 10.82% | 10.82% | 11.83% | 9.36% | $219.7M |
| Q3 2025 | — | — | — | 9.34% | — |
| Q4 2025 | — | — | — | 9.61% | — |
| Q1 2026 | — | — | — | 9.41% | — |
| Q2 2026 | — | — | — | 9.40% | — |
Dewitt Bank & Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt Bank & Trust Co., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dewitt Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14705) · FFIEC NIC profile (RSSD 668147)